Presentation on: A comparative analysis of

Islamic banking between Bangladesh & Iran

PRE SENTE D BY
MASHFIQURE RAHMAN
ID- 1610142
COURSE – BBA 499A

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 Company Profile
 Established on 18th June, 1995.
 The Bank’s authorized capital is Tk.15000.00 million and the capital paid up is Tk.10440.22
million.
 The staff is about 3682 and the number of shareholders are 25793.
 Provides high quality customer support through the combination of advanced technologies and
innovative goods.
 The bank has 184 branches across the country.

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Product lines of Al-Arafah Islami Bank

Deposits
Products

Investment
Product Line
products

Services

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 Performing
data entry task
through
Bangladesh
Bank’s
dashboard

Attaching
Preparing
adhesive
LCAF (Letter
revenue stamp
of credit
on demand
agreement
promissory
forum) set
note
Job
Responsibilities

Attaching
Transferring
authorized
LC entry from
seals to make
Excel sheet to
the LCAF set
manual book
validate

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Factors affecting the selection/rejection of Islamic
Banking by Customers
 Non-interest-based banking system.

 Islamic Banking compliant with Shariah law.

 Some Islamic banks are suffering from weak financing problem.
 Sometimes a lack of confidence exists in the Islamic banking system.

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Real Scenario of Islamic banking in the Context of
Bangladesh
 Islamic bank of Bangladesh was established in 1983.
 The bank made their investment mostly under Musharaka, Murabaha, Bai-
Muajjal and Quard-E-Hasana mode.
 Banks involves in CSR activities.
 Lack proper monitoring and regulations.
 Fooling their clients religious sentiments.

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Islamic Banks in Iran

Bank Melli

Bank Saderat

Bank Mellat
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 Comparison of Islamic banking between Bangladesh & Iran

 Shia jurisprudence.

 Wadiah absent in Iran.

 Ijarah, Salaf & Jualah absent in Bangladesh.
 Strictness in banking policy .

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Financial comparison between Bangladesh & Iran
45.00%
40%
40.00%

35.00% 33% 34%

30.00%

25.00%

20.00%

15.00%

10.00%

5.00%
2% 2% 2%
0.00%
Assets(2017) Assets(2018) Assets(2019)

Bangladesh Iran

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 Limitations of Islamic Banking in Bangladesh
 Absence of Islamic Money Market.

 Shortage of Skilled Human Resources.

 Absence of Islamic Financial Literacy program.
 Shortage of Supportive and Link Institutions.

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 Recommendation

Avoiding Gharar (risk) to

Improve Trust Factor

Starting Young Recommendation Financial Innovation

Educating Potential
and Existing
Customers

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